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BOBCARD Empower Credit Card VS YES FIRST Business Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both BOBCARD Empower Credit Card and YES FIRST Business Credit Card suit business-focused spenders, but they earn and cost differently. BOBCARD Empower Credit Card is lifetime-free and earns 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes. YES FIRST Business Credit Card costs ₹999 + GST and earns 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month. BOBCARD Empower Credit Card also brings air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs, while YES FIRST Business Credit Card counters with 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend. Weigh the fee against the reward rate above to see which fits your spending pattern better.

BOBCARD Empower Credit Card
BOBCARD Empower Credit Card
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹999 + GST
Renewal Fee₹250 + GST
Renewal Fee₹999 + GST
Spend Based WaiverThe annual/renewal fee is waived on spending ₹50,000 or more in the previous anniversary year.
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome BonusEarn 500 Reward Points on spending ₹5,000 or more within the first 60 days of card issuance.
Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards Rate5 Reward Points for every ₹100 on utility payments (max 1,000 points/cycle); 1 Reward Point for every ₹100 on other retail spends.
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge Access
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel Benefits
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf Benefits
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹250/month. GST applicable.
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance BenefitsComplimentary insurance covers (details not specified).
Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Empower Credit Card

YES FIRST Business Credit Card

Who is it for?

The BOBCARD Empower Credit Card is designed for proprietors, self-employed individuals, and small businesses to manage expenses efficiently. It offers a zero joining fee, waivable annual fee, and a decent reward rate with accelerated points on utility payments. Key benefits include a 1% fuel surcharge waiver, up to 50 days interest-free credit, and features for business convenience like expense tracking and streamlined bill settlement, making it an excellent choice for basic credit requirements.

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

Pros

Key benefits and features.

Zero joining fee and an annual fee that is easily waived with moderate spending.

Earn 5X Reward Points on utility payments, maximizing savings on essential bills.

Benefit from up to 50 days of interest-free credit, aiding business cash flow management.

Includes a 1% fuel surcharge waiver, providing savings on regular fuel expenses.

Offers business-centric features like expense tracking and personalized card embossing.

Pros

Key benefits and features.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

Cons

Key drawbacks and limitations.

Lacks premium lifestyle benefits such as lounge access, movies, dining, or travel perks.

Reward points are not earned on fuel transactions, limiting overall reward accumulation.

Details regarding the complimentary insurance covers are not explicitly specified.

A slight discrepancy in the stated annual fee (₹250 + GST vs. ₹500) exists.

Cons

Key drawbacks and limitations.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for BOBCARD Empower Credit Card(opens in new tab)Apply for YES FIRST Business Credit Card(opens in new tab)